Operations Analyst, Financial Crime

🚀 We’re on a mission to make money work for everyone.

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We’re waving goodbye to the complicated and confusing ways of traditional banking.

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After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us.

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With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

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We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

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Remote in the UK 🇬🇧 | 💰 £37,400 - £47,300 + Benefits

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⭐ Our Financial Crime (Fincrime) team Our Mission in the Financial Crime & Fraud Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Our Fincrime Operations Analysts are crucial to the success of this mission.

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The Fincrime Operations Analyst role supports our Team Managers, Investigators, and the wider domain to achieve accurate and efficient outcomes for our customers. They are responsible for the completion of some of the highest risk and most complex tasks, implementing control enhancements, leading on projects through to implementation, delivering training and coaching, supporting the Operations Manager in a wide range of service and product delivery tasks, analysing MI and creating effective action plans to support the delivery of business performance  and contributing to the wider success of the Fincrime operation. 

 Operations Analysts work within a mixture of regulated and unregulated deadlines. Their role acts as the final point of technical escalation providing technical support to Investigators and Team Managers, and oversees quality assurance processes and emerging risks while supporting the quality of performance and knowledge across Fincrime. 

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🔑You’ll play a key role by...

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• Investigating the most complex and high risk cases ensuring accurate and efficient resolution, completed within service level agreements
• Creating and maintaining our operational guidance and processes (including Guru, TextExpander, SAR templates etc.) to ensure they accurately reflect our policies, standards, and procedures.
• Partnering with product and risk teams to design change and ensure operational needs, goals, and principles are considered in the development process.
• Creating and managing the delivery of readiness plans to ensure significant change is safely launched and embedded.
• Building success metrics for change delivery, and using this to validate our approach or influence a change in approach.
• Collaborating with our communication teams, learning and development team, quality assurance team, and other support functions, to support change readiness.
• Acting as a final point of technical escalation for our operational teams.
• Proactively identifying opportunities for improvement of our operational tools or processes.
• Recommending solutions to relevant stakeholders (e.g, through change proposals) to drive operational improvement.
• Collaborating with the change and operational support teams to ensure all operational change requirements (pre and post change) are delivered.
• Independently communicating and delivering smaller-scale changes to existing guidance processes.
• Ensuring help articles and other customer-facing materials remain current.
• Completing targeted deep-dives into areas of local operational concern, and escalates findings to the continuous improvement team.
• Maintaining the correct access and permissions for Financial Crime Investigators.
• Providing constructive feedback to Fincrime Investigators and Managers and working together to create effective and robust action plans to aid the delivery of service, quality or performance within pillar.
• Supporting urgent or complex complaints investigations that require fincrime expertise (e.g., complaints escalated to Financial Ombudsman Service)
• Supporting with hiring and training across their pillar, as required.
• Working with L&D to create training materials and guidance for workshops and training sessions
• Operational responsibility for control and product testing within their financial crime domain

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🤩 We’d love to hear from you if…

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• You have a values driven approach in line with Monzo’s core values
• You have excellent English written & verbal communication skills
• You have extensive subject matter expertise in Fincrime with a strong understanding of policies and regulations
• You have significant experience in conducting complex fincrime investigations with limited or no supervision to resolution
• You have experience of handling complex escalations within your area
• You have the ability to provide actionable specific feedback to a wide range of audiences and levels
• You have significant experience identifying trends and delivering fincrime technical training and coaching to combat these
• You can work well independently & work collaboratively as part of a technical team
• You can work to deadlines and prioritise time sensitive workloads
• You hold or working towards a professional certificate in Anti Money Laundering, or a similar industry qualification e.g. ICA Advanced Certificate, ACAMS

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Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 

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🙌 What’s in it for you

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💰£37,400 - £47,300 ➕ share options.

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🎂 We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.

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📍 This role is remote based in the UK

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⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.

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📚£1,000 learning budget each year to use on books, training courses and conferences.

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🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

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➕ Plus lots more! Read our full list of benefits . 

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🌈 Ready to join the Monzo adventure?

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Apply now and help us make money work for everyone! 

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The application journey has 3 key steps

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• Application questions
• Call with a Recruiter
• 60-minute interview to discuss your previous experience and technical knowledge

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This process should take around 8 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

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The closing date for applications is Wednesday 25th February 2026 at 5pm. 

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#LI-REMOTE #LI-DR

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Equal opportunities for everyone

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Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

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We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

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If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊